Natural Disaster Risk — ZIP Code 36091
Verbena, Alabama
Risk Summary for ZIP 36091
ZIP 36091 scores 5.6/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Tornado.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 36091, Alabama
Located in the interior eastern United States, ZIP 36091 serves the Verbena community. The humid subtropical climate of this part of Alabama — bringing hot, humid summers and mild winters typical of the Deep South — directly shapes the hazard exposure for properties in this postal area.
ZIP 36091's overall natural disaster risk is rated 5.6/10 (Moderate) by FEMA's National Risk Index. Tornadoes represent the primary threat to life and property here, with the local geography placing the community squarely in a high-frequency severe weather corridor. Secondary hazards include landslide and heat.
Relative to other U.S. communities, ZIP 36091's natural disaster risk is above the U.S. national average of 4.5/10, slightly below the 6.0/10 state average. The hazard distribution here is led by tornado and landslide, as measured by FEMA across Alabama. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, ZIP 36091 residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for tornado is recommended.
What this means for ZIP 36091: Tornado preparedness
- Enable Wireless Emergency Alerts on your phone and have a NOAA weather radio as a backup.
- Review whether your insurance covers wind and debris damage, and document belongings in advance.
- Identify the safest interior room on the lowest floor — away from windows — as your shelter.
Risk for the surrounding area
Local Factors for ZIP 36091
These city-level factors differentiate ZIP 36091 from other communities in Alabama County and provide geographic context for its hazard exposure.
Population
3,290
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 32.7°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 6.8/10
Coordinates
32.7488° N, 86.5202° W
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for ZIP 36091
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in Alabama
Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.